Insuring Your Home

Welcome to the Insuring Your Home section of FindLaw's Real Estate Center. Many banks and mortgage lenders require homeowners to purchase and pay for insurance along with the mortgage payments. A homeowner’s insurance policy often provides the best protections in the event that your home or property is damaged, and can also help if someone is injured on your property. Given the wide variety of claims that homeowners can make under their insurance policy, navigating the claim process can be complicated. The articles below provide legal and practical information on insuring your home, as well as information on filing a claim.

Before choosing a home insurance policy, it’s important for you to research what each policy covers. This article explains liability coverage, how suits against homeowners work, and what type of coverage you should look for.

An overview of home insurance regulation and insurance requirements as a condition for getting a loan. Learn about how home insurance is regulated, home insurance as a precondition to a mortgage, and more.

A number of issues can arise regarding your insurance coverage. This article explains how exclusions and limitations work, how to determine rates and applications, and what can happen when you cancel your insurance.

A guide to the terminology used in the insurance business. Find definitions to terms commonly found in insurance policies, including indemnity policies, liability policies, conditions of coverage, and subrogation rights.

When considering a homeowners’ insurance policy, it’s important to consider whether the policy covers natural disasters, like earthquakes or hurricanes. This article explains how different disasters are typically handled.